What fees do I pay in my super?
You are probably paying some or all of the following fees.
Typical Fees
Member fees – these are administration fees that will be duplicated in multiple funds.
In ...

Should I consolidate my super?

Should I consolidate my super?
There are many reasons to consolidate your super into a single fund but fees and the convenience of monitoring a single fund are dominant motivations.
Reduce Fees
Multip ...

What types of super funds are there?

What types of funds are there?
The table below shows how the superannuation sector is divided up.
Superannuation fund types
Total assets ($billion)
Small funds (APRA and Self Managed funds)
597
...

How much can I contribute to my super?

How much can I contribute?
There are contribution caps on how much you can contribute without incurring a penalty. Tax concessions entice members to contribute to their super but exceeding the limits ...

Do I have enough super?

The table below is the ASFA (Association Of Superannuation Funds of Australia) suggestion of what is “enough super”.
ASFA Retirement Standard – June Quarter 2015
Annual living c ...

Transition to Retirement (TTR)

A transition to retirement strategy allows someone who is aged 55 to 60 and still working to access their superannuation by buying a pension. This additional income can be used to either boost their s ...

Peter Schiff was right

What are spouse contributions?

Spouse contributions
If your spouse has assessable income below $37,000 (plus report able fringe benefits) you can make contributions to his or her superannuation and receive a tax offset of up to $54 ...

What are Super Guarantee (SG) contributions

SG contributions
SG (superannuation Guarantee) contributions are compulsory superannuation contributions employers have to make on behalf of employees. From July 2014 this has been 9.5% of the employe ...

What are salary sacrifice contributions?

Salary Sacrifice Contributions
Salary sacrifice contributions involves sacrificing salary for super contributions. This has the following consequences;
Your salary decreases and so does your taxable ...

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General information

The information on this website is general information and not a recommendation. A recommendation can only be made after taking all your personal circumstances into account. Please consult a licensed financial adviser before making any decision.